# Collect A Debt --- ## Pages - [Debt Collection Rates](https://collectadebt.co.za/debt-collection-rates/): Collect A Debt in Port Elizabeth offer comprehensive debt collection services at highly competitive rates to clients throughout South Africa - [Contact](https://collectadebt.co.za/contact/): Contact the Debt Collection Specialists: Collect A Debt - [Debt Payments](https://collectadebt.co.za/debt-payments/): Collect a Debt offers a wide range of convenient ways to make debt payments, check balance + account status. Visit the Port Elizabeth Debt Collection Specialists - [Industry Debt Collection](https://collectadebt.co.za/industry-debt-collection/): Collect A Debt offers expert debt recovery services across diverse industries, specialising in: ✓ Medical ✓ Education ✓ Insurance ✓ Finance ✓ Construction ✓ Manufacturing - [Frequently Asked Questions](https://collectadebt.co.za/frequently-asked-questions/): The go-to guide for debt collection frequently asked questions about Collect A Debt Services. - [Debt Articles](https://collectadebt.co.za/debt-articles/): Explore engaging articles and blog posts for valuable perspectives. Debt Collection Articles from Collect A Debt - [Port Elizabeth Debt Collectors](https://collectadebt.co.za/port-elizabeth-debt-collectors/): Collect A Debt trusted Port Elizabeth debt collectors: ✓ In-house Legal ✓ National Debt Collection ✓ International Debt Collection ✓ Tracing Services ✓ Credit Bureau Listing ✓ Debt Mediation - [Home](https://collectadebt.co.za/): Owed money? Have your debtors stopped answering your calls? Collect A Debt specialise in ✓Debt Collection ✓Debt Recovery ✓Tracing - [Debt Collection Services](https://collectadebt.co.za/debt-collection-services/): Top Debt Collection services including: ✓ In-house Legal ✓ National Debt Collection ✓ International Debt Collection ✓ Tracing Services ✓ Credit Bureau Listing ✓ Debt Mediation - [Privacy Policy](https://collectadebt.co.za/privacy-policy/): Port Elizabeth Debt Collectors Collect A Debt Page Last updated: March 01, 2025 This Privacy Policy describes Our policies and... --- ## Posts - [How Debt Collection Works in South Africa: A Complete Guide](https://collectadebt.co.za/how-debt-collection-works-in-south-africa-a-complete-guide/): Debt collection can feel like a maze – especially if you’re unsure of the rules, processes, or your rights. Did... - [Top 5 Debt Recovery Strategies for Small Businesses in South Africa](https://collectadebt.co.za/top-5-debt-recovery-strategies-for-small-businesses-in-south-africa/): The Key to Getting Paid: Smart Debt Recovery for Small Businesses Small businesses in South Africa are facing a cash... --- ## FAQ - [Why should I choose Collect A Debt as my debt collection agency?](https://collectadebt.co.za/faq-item/why-should-i-choose-collect-a-debt-as-my-debt-collection-agency/): We are a debt collection company that not only collects arrear debts but also has the added advantage of an... - [What will it cost me to hand over a debt for collection?](https://collectadebt.co.za/faq-item/what-will-it-cost-me-to-hand-over-a-debt-for-collection/): Our fee structure is based on a “No Collection – No Fee” basis. The fee is based on a collection... - [Can a debt collector charge for tracing a debtor?](https://collectadebt.co.za/faq-item/can-a-debt-collector-charge-for-tracing-a-debtor/): No. This does not form part of the Annexure B fees that debt collectors may charge debtors as contained in... - [What other charges does the debtor pay?](https://collectadebt.co.za/faq-item/what-other-charges-does-the-debtor-pay/): The Debt Collectors Act, 114 of 1998 makes provision for debt collectors to charge the debtor necessary fees and expenses... - [Can the collection commission I am charged by Collect A Debt be added to the debtors account before handing over?](https://collectadebt.co.za/faq-item/can-the-collection-commission-i-am-charged-by-collect-a-debt-be-added-to-the-debtors-account-before-handing-over/): No. Simply because it is now allowed in terms of the Debt Collector Act, 114 of 1998 because it does... - [What is your turnaround time for collection?](https://collectadebt.co.za/faq-item/what-is-your-turnaround-time-for-collection/): Only the circumstances of the debtor will determine what the turnaround time will be for payment and varies from one... - [What does hand over mean?](https://collectadebt.co.za/faq-item/what-does-hand-over-mean/): The process of handing over debt to a debt collection agency. - [What is the hand over process?](https://collectadebt.co.za/faq-item/what-is-the-hand-over-process/): Follow these easy steps to start the hand over process: Step 1: Understand the terms to become a client Step... - [Is it a legal requirement to notify the debtor that he/she will be handed over for debt collecting?](https://collectadebt.co.za/faq-item/is-it-a-legal-requirement-to-notify-the-debtor-that-he-she-will-be-handed-over-for-debt-collecting/): No. You do not have to send a letter of demand, it is trite law that notice must be given.... - [What type of debts do you collect?](https://collectadebt.co.za/faq-item/what-type-of-debts-do-you-collect/): We collect all types of debt except rental collections. The debt must be legally due and payable and supported with... - [How old can the debt be and does it prescribe?](https://collectadebt.co.za/faq-item/how-old-can-the-debt-be-and-does-it-prescribe/): It depends on the type of debt. In terms of the Prescription Act, 68 of 1969, most debts are prescribed... - [What is the minimum amount that I can hand over?](https://collectadebt.co.za/faq-item/what-is-the-minimum-amount-that-i-can-hand-over/): We collect any outstanding amount. The smaller the amount the quicker it is paid. The older the debt – the... - [At what stage do Collect A Debt take legal action?](https://collectadebt.co.za/faq-item/at-what-stage-do-collect-a-debt-take-legal-action/): We start the legal process any time after 90 days from handing over if no payments were received. We start... - [When is the right time to handover?](https://collectadebt.co.za/faq-item/when-is-the-right-time-to-handover/): Research shows that the longer the debt remains outstanding the more the risk of non-recovery. Generally, most creditors hand over... - [What does it mean when I am handed over?](https://collectadebt.co.za/faq-item/what-does-it-mean-when-i-am-handed-over/): It simply means that the client or credit grantor has moved your unpaid account/debt from them to a debt collector... - [How does my account get handed over to a debt collector?](https://collectadebt.co.za/faq-item/how-does-my-account-get-handed-over-to-a-debt-collector/): A service provider may, in terms of the contract between themselves and the consumer, hand an account over to a... - [What debt collectors fees am I liable for?](https://collectadebt.co.za/faq-item/what-debt-collectors-fees-am-i-liable-for/): Please see the Expenses and Rates Annexure - [Are debt collectors entitled to charge interest and if they are, how much?](https://collectadebt.co.za/faq-item/are-debt-collectors-entitled-to-charge-interest-and-if-they-are-how-much/): Yes. Interest tempore morae, or as its more commonly known; mora interest, is the interest charged when a payment is... - [Can a debt collector threaten a debtor?](https://collectadebt.co.za/faq-item/can-a-debt-collector-threaten-a-debtor/): No. Under no circumstances is a debt collector allowed to threaten or harm a debtor, the property of a debtor... - [Can a debt collector refuse a payment plan?](https://collectadebt.co.za/faq-item/can-a-debt-collector-refuse-a-payment-plan/): Yes. An agreement is not an agreement if it is not an agreement. It is a trite law that debt... - [How do I know if my debt has prescribed?](https://collectadebt.co.za/faq-item/how-do-i-know-if-my-debt-has-prescribed/): In terms of the Prescription Act, 68 of 1969, most debts are prescribed after 3 years. Some type of debts... - [What is debt review?](https://collectadebt.co.za/faq-item/what-is-debt-review/): Debt review is not a judgment nor an administration order. It’s an application to the court in terms of section... - [What is a “Clearance Letter” or Paid in Full Letter?](https://collectadebt.co.za/faq-item/what-is-a-clearance-letter-or-paid-in-full-letter/): This letter is drafted on company letterhead and confirms that the debt handed over is paid in full. - [How do I pay my account?](https://collectadebt.co.za/faq-item/how-do-i-pay-my-account/): Collect A Debt has several payment methods available for debtors in making it as convenient as possible: Directly at the... - [Why do debt collectors confirm my details whenever I enquire about my account?](https://collectadebt.co.za/faq-item/why-do-debt-collectors-confirm-my-details-whenever-i-enquire-about-my-account/): In terms of the POPI Act and the Debt Collectors Act, we must ensure that we communicate with the correct... - [How many years can someone to be listed as a default payer with a credit bureau?](https://collectadebt.co.za/faq-item/how-many-years-can-someone-to-be-listed-as-a-default-payer-with-a-credit-bureau/): Every person in South Africa is registered with a Credit Bureau. If a person does not pay their accounts, they... - [Who is liable for spousal debt?](https://collectadebt.co.za/faq-item/who-is-liable-for-spousal-debt/): In a community of property marriage, all debt incurred by the spouses before and during the marriage forms part of... - [Who is the NCR?](https://collectadebt.co.za/faq-item/who-is-the-ncr/): The NCR is the National Credit Regulator, the organization that regulates the credit industry in terms of the National Credit... - [What rights does the debt collector have?](https://collectadebt.co.za/faq-item/what-rights-does-the-debt-collector-have/): They have the right to contact you for the payment of a debt. It is not regarded as harassment if... - [What rights do I have?](https://collectadebt.co.za/faq-item/what-rights-do-i-have/): You have the right to obtain legal advice should you deem it necessary. You have the right to be treated... --- # # Detailed Content ## Pages > Collect A Debt in Port Elizabeth offer comprehensive debt collection services at highly competitive rates to clients throughout South Africa - Published: 2025-02-17 - Modified: 2025-05-05 - URL: https://collectadebt.co.za/debt-collection-rates/ --- > Contact the Debt Collection Specialists: Collect A Debt - Published: 2025-02-15 - Modified: 2025-02-19 - URL: https://collectadebt.co.za/contact/ --- > Collect a Debt offers a wide range of convenient ways to make debt payments, check balance + account status. Visit the Port Elizabeth Debt Collection Specialists - Published: 2025-02-15 - Modified: 2025-05-18 - URL: https://collectadebt.co.za/debt-payments/ --- > Collect A Debt offers expert debt recovery services across diverse industries, specialising in: ✓ Medical ✓ Education ✓ Insurance ✓ Finance ✓ Construction ✓ Manufacturing - Published: 2025-02-15 - Modified: 2025-05-18 - URL: https://collectadebt.co.za/industry-debt-collection/ --- > The go-to guide for debt collection frequently asked questions about Collect A Debt Services. - Published: 2023-12-08 - Modified: 2025-02-19 - URL: https://collectadebt.co.za/frequently-asked-questions/ --- > Explore engaging articles and blog posts for valuable perspectives. Debt Collection Articles from Collect A Debt - Published: 2023-11-28 - Modified: 2025-02-18 - URL: https://collectadebt.co.za/debt-articles/ --- > Collect A Debt trusted Port Elizabeth debt collectors: ✓ In-house Legal ✓ National Debt Collection ✓ International Debt Collection ✓ Tracing Services ✓ Credit Bureau Listing ✓ Debt Mediation - Published: 2023-11-24 - Modified: 2025-05-18 - URL: https://collectadebt.co.za/port-elizabeth-debt-collectors/ --- > Owed money? Have your debtors stopped answering your calls? Collect A Debt specialise in ✓Debt Collection ✓Debt Recovery ✓Tracing - Published: 2023-11-24 - Modified: 2025-03-04 - URL: https://collectadebt.co.za/ --- > Top Debt Collection services including: ✓ In-house Legal ✓ National Debt Collection ✓ International Debt Collection ✓ Tracing Services ✓ Credit Bureau Listing ✓ Debt Mediation - Published: 2023-11-24 - Modified: 2025-05-18 - URL: https://collectadebt.co.za/debt-collection-services/ --- - Published: 2022-10-07 - Modified: 2025-02-19 - URL: https://collectadebt.co.za/privacy-policy/ --- --- ## Posts - Published: 2023-12-07 - Modified: 2025-08-15 - URL: https://collectadebt.co.za/how-debt-collection-works-in-south-africa-a-complete-guide/ - Categories: Debt Collection Articles --- - Published: 2023-11-30 - Modified: 2025-08-15 - URL: https://collectadebt.co.za/top-5-debt-recovery-strategies-for-small-businesses-in-south-africa/ - Categories: Debt Collection Articles --- --- ## FAQ - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/why-should-i-choose-collect-a-debt-as-my-debt-collection-agency/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-will-it-cost-me-to-hand-over-a-debt-for-collection/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/can-a-debt-collector-charge-for-tracing-a-debtor/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-other-charges-does-the-debtor-pay/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/can-the-collection-commission-i-am-charged-by-collect-a-debt-be-added-to-the-debtors-account-before-handing-over/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-is-your-turnaround-time-for-collection/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-does-hand-over-mean/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-is-the-hand-over-process/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/is-it-a-legal-requirement-to-notify-the-debtor-that-he-she-will-be-handed-over-for-debt-collecting/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-type-of-debts-do-you-collect/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/how-old-can-the-debt-be-and-does-it-prescribe/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-is-the-minimum-amount-that-i-can-hand-over/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/at-what-stage-do-collect-a-debt-take-legal-action/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/when-is-the-right-time-to-handover/ - FAQ Filter: Clients --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-does-it-mean-when-i-am-handed-over/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/how-does-my-account-get-handed-over-to-a-debt-collector/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-debt-collectors-fees-am-i-liable-for/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/are-debt-collectors-entitled-to-charge-interest-and-if-they-are-how-much/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/can-a-debt-collector-threaten-a-debtor/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/can-a-debt-collector-refuse-a-payment-plan/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/how-do-i-know-if-my-debt-has-prescribed/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-is-debt-review/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-is-a-clearance-letter-or-paid-in-full-letter/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/how-do-i-pay-my-account/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/why-do-debt-collectors-confirm-my-details-whenever-i-enquire-about-my-account/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/how-many-years-can-someone-to-be-listed-as-a-default-payer-with-a-credit-bureau/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/who-is-liable-for-spousal-debt/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/who-is-the-ncr/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-rights-does-the-debt-collector-have/ - FAQ Filter: Debtors --- - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://collectadebt.co.za/faq-item/what-rights-do-i-have/ - FAQ Filter: Debtors --- ---